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Make Up to 11.2% Return On Your Savings

It’s well over a year now since I first wrote to you about peer to peer lending and what I was doing. I think it’s time for an update – things have got even better – but first a brief recap:

Interest rates on saving have been pathetically low for several years now, and there’s no sign that‘s about to change any time soon. In fact, just this morning, rates were slashed to the bone in response to the Coronavirus outbreak.

Alternatives? Well how’s the stockmarket been working out for you recently?   If you’re anything like me, not very well at all!

About three years ago, all this caused me to start looking at peer-to-peer lending. I opened accounts with a number of companies and started lending money out at anything from 3% to 8.5% per annum – much better than the rates on offer from regular institutions. On the whole, the experience has been excellent. My returns from the cash I had sitting earning next to nothing in bank accounts has gone through the roof, and any risks there are have been mitigated by spreading funds.

But it isn’t for everyone (or it wasn’t!) because there can be drawbacks:

1.  Entry requirements can be prohibitive  

Some peer to peer lenders require that you self-identify as a high net   
worth individual. That means an income of over £100,000 a year or assets
in excess of £250,000, which rules out most of us.  

2.  Security can be less than perfect

To my mind, the best loans to invest in are those secured by property.
Property values are relatively stable, so if the loan is secured against a 
property at a maximum of 70% LTV, there should always be plenty of
security there if the borrower defaults (although returns are never
guaranteed).

However, some companies lend to individuals on an unsecured basis, and others lend to businesses, secured on the assets of the business. Neither offer the same level of security as property and so headline rates can be eaten into by defaults.

3.  Company websites can be complicated

Sometimes it’s hard to see exactly what’s going in or what you’re investing in, and the nature of the loans you’re investing in, isn’t really clear.

4.  Some loans can be long term

I don’t like to tie my money up for more than a year. Some companies specialise in loans of 3 to 5 years, meaning you can’t get your hands on your money if you need or want it quickly.

Now if you’re a millionaire, happy to tie your money up for several years and can spread your money wide enough to take the rough with the smooth, none of this is a deal-breaker. As I said before, I’ve done very well out of peer-to-peer lending.

But what if you just want a reasonably secure home for your nest egg, where you can invest smaller amounts quickly and simply…and get better returns than most of the other companies out there…and way more than the banks or other regular financial institutions?

About 18 months ago, I discovered a company called Kuflink, and started moving a lot of my peer to peer lending in their direction. If you’re a fan of Premiership football you might have seen the name displayed prominently at pitch side at Southampton home games. The company are a major sponsor of the club.

  Let me tell you why I like Kuflink…  

  • All loans are secured against property at a very comfortable loan to value, so risks are relatively low, and there is ample coverage should anyone default.
  • Loans are typically for 12 months or less, so you have fast access to your funds.
  • The website is simple and easy to use. You can be up and running and investing in 15 minutes.
  • Investment clarity. You can see exactly which property loan you’re investing in, read the valuation reports and see the actual property. You could even go a stage further and see it if you wanted to!
  • There’s the option to invest in a ‘basket of loans’ to spread risk and make the whole process even easier.
  • The company put their own money on the line by investing in each loan before outside investors.
  • Returns are between 6.5% and 7.2% Authorised by The Financial Conduct Authority. 

  And the icing on the cake? You don’t need to be a millionaire (or anything like it) to invest and start benefitting. You can open an account with as little as £100 and start investing with that.

I’ve looked at over a dozen peer to peer lending sites and invested in at least six. In my opinion, Kuflink offers the best combination of returns, security, clarity and simplicity for anyone who has a spare cash languishing in a bank account and wants a better return without undue risk or effort, or tying their money up for several years.

I now have a substantial six figure sum invested through Kuflink and recently moved another slice of my peer to peer lending over to the company following a meeting with the company chief executive who impressed me with the lengths the company go to, to keep investor’s money safe.

  Here’s a link to some more information.

https://invest.kuflink.co.uk/invite/MH-3177

If you do decide to invest using this link, aside from the 6.5% to 7.2% you’ll earn, I’ve arranged for you to receive a bonus cashback of between 2.5% and 4% if you invest at least £1,000. So that’s quite a return on your money in the first year – as much as 11.2%. But that’s only if you invest through the link. This isn’t an offer that’s open to everyone.

I’m not authorised to give you any kind of financial advice – I’m just giving you my opinion and telling you what I’m doing – but if you have any questions about my personal experience with Kuflink or any of the other peer to peer lenders, just drop me an email at John@streetwisepublications.co.uk.

Don’t forget that in order to qualify for the 2.5% to 4% cashback, you’ll need to use the link I gave you earlier. It’s not for everyone! 

https://invest.kuflink.co.uk/invite/MH-3177

Motivational Quote Of The Day

“It is not the length of life, 
but the depth.”

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Ralph Waldo Emerson

Alternative Quote Of The Day

“I cook with wine, sometimes I even add it to the food.”

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W.C Fields

Become A Fitness Guru  

Let’s be honest, getting in shape isn’t that complicated – it certainly isn’t rocket science. Ordinary folk do it all the time and there are many different ways of reaching the same destination. Yoga, weight training, interval training, pilates and cycling are just a few of the proven ways to get in better shape. If you’ve used one of these, or something completely different, you may have the basis of a profitable business in your own body.

  Tens of millions (perhaps hundreds) are spent every year by people in search of ‘the secret’ to getting in shape. If you’ve found a way that works for you, perhaps it will work for others too. It could be worth thinking about how you could turn what you already know into cash. Books, courses, personal training sessions and group classes are just a few of the ways you could make money in this field.

Today’s National Day 

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NATIONAL HOME SPA DAY!

PUBLISHERS NOTICE

Visit: www.streetwisenews.com/simple

Convenient Dog Wash

I live right by the woods and often get ‘attacked’ by dogs that look like they’ve been bathing in mud. As mucky as their paw marks make my clothes, I can’t help wondering what kind of mess they make once they get home. Perhaps their owners would appreciate a German idea I recently came across.

Lars Schutze has located Germany’s first Dog Wash right next to the car wash he already owns. For less than five euros, owners can foam, shower and dry their pets while they’re waiting for their car to be cleaned. Given that bathing a dog usually involves a huge amount of mess and inconvenience that seems like a good deal.

I can see no reason why something like this wouldn’t work here. Taking the dog for a walk and then arriving back home with a pristine car and a spotless dog seems a pretty good combination to me. Time for someone to reach a mutually beneficial deal with a car wash owner.

Motivational Quote Of The Day

“The best way to predict the
       future is to create it.”       

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Peter Drucker

Alternative Quote Of The Day

“Once I was doing a sponsored walk. In the end I managed to raise so much money, I could afford a taxi.” 

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Jimmy Carr

Vintage Clothing Trading  

If my daughter and her friends are anything to go by, vintage clothing is in vogue at the moment. A combination of environmental concern and the desire to have something you won’t find on the High Street is leading many young people to seek out vintage items. It seems to me that there is money to be made here.

One person’s old tat is another person’s vintage. By scouring charity shops and jumble sales for bargains, cleaning them up and then selling them on via eBay or concession in an existing shop, it should be possible to make some interesting profits.

The key here is that you need to have an eye for fashion and a firm idea what’s likely to appeal to vintage clothes lovers. Not one for me then, but certainly an opportunity for the right person.

Today’s National Day 

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NATIONAL WORK PLACE NAPPING DAY!

PUBLISHERS NOTICE

Visit: www.streetwisenews.com/simple

Could You Write A Letter Like This?

I’m sitting here staring at a letter I just received from a bloke whose been a customer of ours since 1999, and I really don’t know what to make of it. I don’t know whether to laugh or cry ~ whether to applaud his honesty, decry his sloth, or just be so damned disappointed for him.

The letter came with a request for a refund on a product he ordered from us a couple of weeks ago. Anyway, here’s what he said after asking for a refund:

“I would like to say that there is nothing wrong with Property Trading Genius. In fact it is probably the best business opportunity I have ever bought from you. It is simple and realistic, and it is the reality that has made me aware that I don’t have the gumption and get-up-and-go to put the effort in and make it work.

It’s no good me making excuses about being at work all day and not having the time – I know that wouldn’t wash with you. 

The truth is that I am lazy and want easy money. It has finally dawned on me after all these years that I certainly don’t want to work for it.”

It would be so easy to rip this guy to pieces, but I’m not going to. I’ve been working with would-be ‘entrepreneurs’ for many years now, and I know that a great many of them would write a very similar letter if they were being really honest. It’s not easy admitting something like that to yourself, let alone someone else. But it doesn’t make it any the less true ~ or uncommon.

If you’ve found yourself making business plans that never quite come to fruition, or investigating opportunities that you never quite follow through on because you don’t have enough time/money/experience/ skills/whatever ~ then I’d urge you to be really honest with yourself…

Are there genuine reasons why things haven’t worked out as you’d hoped? Or could you – in a totally candid moment – have very easily written that letter.

The answer will tell you an enormous amount about yourself, and may save you a lot of time, trouble, and heartache in the future. There’s plenty of comfort in self-delusion, but rarely any profit. 
 

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 John Harrison

PUBLISHERS NOTICE 

Here’s Game Changing Information If You Ever
Dreamed of Making a Risk Free Second Income
From Your Armchair…

“I Make An Extra £170 to £200 a Week Messing
Around On My iPhone While I’m Watching TV!

Give Me 5 Minutes and I’ll Teach You How To Do It
Too!

Visit: www.streetwisenews.com/simple

Second Hand Profits

Thanks to the likes of eBay, buying second hand or used goods has never been as popular (or easy) as it is today. A lot of mainstream retailers are catching on to this now. You’ve been able to buy used books on Amazon for a long time now, but even primarily off-line businesses are getting in on the act. My favourite retailer, Ikea, have now set up a system to facilitate customers disposing of their second hand furniture.

At first glance, this seems counter-intuitive, but there is a logic to it. Having the option to buy used (and cheaper) second hand furniture will draw more people to the company website, as well as improving customer goodwill. And of course, sometimes a customer needs to dispose of an old piece of furniture before they’re able to buy a new one.

Is there some way you could facilitate your customers disposing of the products they no longer need or want, and if there is, would it help or hinder your business? It’s a question worth asking.

Motivational Quote Of The Day

“Sometimes the questions are complicated and the answers are simple.”

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Dr Seus

Alternative Quote Of The Day

“Everything is funny, as long as it’s happening to somebody else.”  

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Will Rogers

Become An Image Consultant   

Many people bemoan their lack of qualifications or experience and yet there are many businesses and projects you can start with little more than a bit of ‘front’. 

  Take Image Consultant as an example.

 If you have an eye for design and a basic understanding of colour and fashion, a career as an image consultant may be little more than a website away. Personal appearance seems to becoming increasingly important, both socially and in the workplace, and many people are insecure about the way they look. An image consultant is often brought in to revamp a wardrobe, give a makeover for an important event or totally revamp an image.

If fashion and design is an area you’re comfortable in, this could be worth researching in detail. There’s money in vanity!

Today’s National Day   

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NATIONAL  LOOK A LIKE  DAY!

PUBLISHERS NOTICE

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Shock Discovery
Ancient Code Cracks the Banks… 

Proven: An 82.4% Chance Of A 
£55,250 Windfall
With Just A Few Clicks…Legally.

Here’s Why I’m Discreetly Allowing
            181 People To Use My Windfall Secret…              

  Hello,

My name is Michael White, and what I’d like to share with you now is a total game-changer. With your permission, over the next few minutes I’ll explain a money-loophole that could be your ticket to the laziest and fastest retirement imaginable.

Please let me first put your mind at rest about a few things… 

.  There’s no limit to the number of times you can use this under one person’s name. You could use this secret regularly…

.  You DON’T need to already have a bank account with a particular bank or building society.

.  You DON’T need to have been mis-sold a pension or investment.

.  You DON’T need to buy shares of a specific company or bank.

.  You DON’T have to pay this money back- it’s NOT a loan. It’s YOUR money, free and clear.

.  You DON’T have to own a home, and you can use the money for
   ANYTHING  you like.

.  You DON’T need a credit rating or be at any particular earnings level or be on benefit.

.  You DON’T need a computer or any technical know-how. You could even place a call instead of make a few clicks if you don’t have a computer. 

    NOBODY else knows this secret because I discovered it – through the application of an ancient code.  I will share it with you HERE for legitimate reasons I’ll explain in a moment. And I guarantee you’ll be stunned at how this powerful secret could force the banking system into letting you retire early…

Take A Look HERE

     Very Best Wishes, 

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Better French Lessons…

It’s difficult to say which was my worst subject at school. There was so much competition.

In a previous post, I told you how my artistic skills never developed at all beyond the infant school, and woodwork was another area where I excelled for all the wrong reasons.

Somewhere in our office, is a coffee table that I made for my CSE woodwork project. It’s not the best coffee table you’ve ever seen, but at least you can tell that it’s supposed to be a table. Except it isn’t.

You’re probably too young to remember this, but in the 1970s, room dividers constructed from wood and doubling as shelves, were quite fashionable. Well that’s what I designed and set out to make. But it kept going wrong, and I kept having to throw bits away, cut bits off, and re-plane edges that for some reason, refused to go square. The end result was that my room divider became a coffee table. I didn’t have enough wood left to make anything else, and no money to buy any more.

I seem to remember that the examiner was reasonably happy with the table, but totally bemused when he tried to relate it to the original plans. Even ‘thickies’ usually pass woodwork. I failed.

The sad thing is that I was only doing woodwork at all because of French. Now that was something I really couldn’t get to grips with. Not sure whether I didn’t have an aptitude, or whether I couldn’t see the point (because I didn’t know any French people) but I was just hopeless. I still have the scathing school report from Miss Bentley (written after I’d scored 21% in the end of term exam) recommending that I: “try something else instead next year ~ like woodwork”. Shows what she knew.

Anyway, I was thinking about French and other languages this morning. My daughter is learning French at the moment, and I was surprised how much I remember (despite being so crap at it). I can tell you the words for most foods and household objects. I can tell you my name, how old I am, what time it is, and even that there’s a cabbage on the table.

And it’s all totally useless.

You see, the moment a French person starts talking, they might just as well be speaking Swahili for all the sense I can make of it. I’m sure I’m not the only one. In fact, I know several people with an A level in a language, who can’t hold a conversation in that language.

What’s going on here?

Well it’s all to do with the difference between theory and practice. When you’re learning a language, everything is done slowly and correctly. You get to work at your own pace and in perfect conditions. But when you do it for real, it’s completely different. You don’t control the pace – it’s much faster than you’re used to. And they don’t do it by the book either. They use slang, dialect, and verbal shorthand in their communications. The end result is that it has little in common with what you’ve learned.

And of course, this isn’t confined to languages…

When I started in business, I had a degree in the subject. I thought I spoke the ‘language’. But like an A level student marooned in Toulouse, I quickly found that what I knew was of little use in a world where everything was faster paced and rarely followed the textbook. I had to learn the slang, dialect and shorthand, and to develop an ‘ear’ for what was really happening. The formal training helped a little – but in my experience, a week ‘on the ground’ is worth a year in the classroom.

Whatever, you want to achieve, my advice would be to get exposure at the coal face rather than the book face. There seems to be a growing trend for employees to be pressured into studying for degrees. In the corporate environment this may be a necessary precursor to getting promotion, but I would question the practical value for most people.

If your goals are entrepreneurial rather than employment focussed, forget trying to get a few letters after your name, and get stuck into something ‘real’ instead. That way, you’ll start picking up practical ‘language skills’ straight away. Others may be better qualified and look better on paper, but you’ll be the one getting things done and reaping the rewards.  

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 John Harrison

PUBLISHERS NOTICE

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Dear Streetwise Customer, 

“OMG, Ludlow 3:45…two horses to back. Bott N Brown WON at 25/1 !!! Average odds taken on Betfair exchange 80/1. I backed for £12 winning me £960. Can you please thank Bill for me.” G.B – 6th February 2020

“Many thanks. Thursday OMG Newcastle 5:30. Special Lady WON 50/1. Won £500.” G B – 7th February 2020 

A couple of weeks ago we wrote to you about The Hermes Strategy, a unique approach to horse racing created by Bill Burrows. I’ve reproduced word for word, two emails I received recently from one of our customers who tried the strategy for the first time just a few days ago.

He just won £1,460 in two days! 

Needless to say, he’s pleased!

Now we don’t get 80-1 and 50-1 winners every day (although it looks like we do at the moment!) but because this strategy looks at the whole thing from a VERY unusual angle, long odds winners come along pretty regularly alongside more mundane wins.

It all adds up to a great second income for anyone able to spend 7-10 minutes a day putting the strategy to work. For full details visit… 

www.streetwisenews.com/herm  

You could very easily be up and running and copying Bill within a few hours of reading about this. Everything you need is at your fingertips.

Kind Regards

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John Harrison
 
Streetwise Publications

P.S. If you can find 7 minutes a day, you can do this for yourself. 

www.streetwisenews.com/herm